• Do I need travel insurance for Croatia?
• Travel insurance for activities in Croatia
• Travel insurance for medical emergencies in Croatia
• Travel insurance for lost luggage in Croatia
• Travel insurance for cancelled, interrupted, or delayed trips to Croatia

What’s the first thing that comes to mind when you think of Croatia? Sunny islands like Vis and Korcula, beaches on the Dalmatian Coast, the historic walled city of Dubrovnik, and a welcoming culture all come to mind for us. Travelers also come for the lush national parks, unique cuisine, burgeoning wine scene, and under-the-radar experiences in Eastern Croatia’s historic Slavonia and Baranja. Whatever your ideal adventure looks like, Croatia offers adventure, natural beauty, and a rich history and culinary traditions.

You can bet we’ve seen all sorts of travel insurance claims from Americans in Croatia. International travel can be life changing, but it also can involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote for travel insurance* for Croatia before you set out on your journey.    

Do I need travel insurance for Croatia?

International travel can come with many surprises—such as finding a tiny winery outside Dubrovnik that has been in the family for hundreds of years, or taking that perfect photo in Rovinj that will now be framed on your living room wall for years to come.

Some surprises are not as great, though. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. Croatia is in an earthquake-prone area and even the smallest shaking could disrupt flight schedules. Or, what if you trip while walking on the cobblestone streets in Split? In these cases, you may wish that you had travel insurance for Europe.

World Nomads has four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in Croatia

Whether you’re planning to explore sail between islands in the Adriatic Sea or hike to waterfalls in Krka National Park, World Nomads travel insurance covers Americans for over 250 activities in Croatia. Rock climbing the canyons of Paklenica National Park, sea kayaking from Hvar or Dubrovnik, and windsurfing around Kučište-Viganj are all covered under travel insurance for Croatia.

It’s important to have a fairly concrete idea of your trip plans before you get a quote. Different plans cover different activities. The more adventurous activities could require a higher tier plan, like the Explorer or Epic Plan. For example, all plans cover sea kayaking. However, if you want to cliff diving, you’ll need to invest in the Epic Plan.


Seafront scenery of small mediterranean village Pucisca on Island Brac. Photo credit: Getty images / Dreamer4787

Travel insurance for medical emergencies in Croatia

Whether you break your ankle while hiking through Paklenica National Park or sustain an injury while windsurfing, you can protect yourself from loss due to emergency medical expenses by purchasing a travel insurance plan for your trip to Croatia. 

In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible. 

The Emergency Assistance Team can also help you navigate the unfamiliar health care system in Croatia, including assisting you with language barriers and finding the best places to seek medical treatment.


Hvar Island, Croatia. Photo credit: Getty images / Maremagnum

Travel insurance for lost luggage in Croatia

Lost or stolen bags is never something we plan for, but these things do happen. Did you arrive in Dubrovink but your bag—packed with your new swimsuit and favorite sundress for your beach vacation—didn’t?

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, the first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact Blue Ribbon Bags, a non-insurance service that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags so you can file a lost luggage claim.

While Croatia is generally considered safe, pickpocketing or theft can happen anywhere. If your stuff is stolen from under your nose, your travel insurance plan could also reimburse you for what was lost (deprecation, exclusions and plan limits will apply). When picking a plan, you may want to consider the amount of baggage coverage available and make sure you are comfortable with the maximum amount. Each plan has different limits.

Travel insurance for cancelled, interrupted, or delayed trips to Croatia

Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable expenses. 

Trip interruption and trip cancellation coverage can help protect you in case of emergencies back home in the US. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused travel expenses (like hotels or plane tickets) that you can no longer use. Each plan has a different limit for this, though. You’ll want to be sure you pick a plan that could cover your entire trip expense, should this unexpected and disappointing event happen to you.

If you purchase the Explorer and Epic Plan during the time sensitive period, the plans also may cover various travel inconveniences you may encounter on your Croatian getaway. For example, if you sat on the tarmac for two hours or more on the way to Croatia, you may be eligible for a $250 payment for that inconvenience. Or if your rental car broke down on a road trip through Istria and you arrived more than 12 hours late at your destination, you may also be eligible for coverage.


A photo of Korcula, Dalmatia, Croatia. Photo credit: Getty images / Tuul & Bruno Morandi

Tips for travelling to Croatia from the US

As much as you may have planned each detail of your Croatian adventure, the unexpected can still happen. We encourage you to check out the American government’s safety warnings for Croatia before you leave. Up-to-date warnings— including weather advisories and political situations—will be listed on the website.

It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

Finally, we recommend checking out our travel tips for Croatia. You may also want to read up on some destination inspiration for non-touristy spots to check out in Croatia to help you discover the lesser-known side of this Eastern European country rich in history, culture, and nature.

• Do I need travel insurance for Europe?
• Travel insurance for activities in Europe
• Travel insurance for medical emergencies in Europe
• Travel insurance for lost or stolen bags in Europe
• Travel insurance for theft in Europe
• Travel insurance for cancelled, delayed, or interrupted travel in Europe
• Tips for travelling to Europe from Canada

Home to 44 countries, centuries-old cities, sweeping coasts, highland forests, and delectable cuisine, Europe offers an incredibly varied experience over a relatively compact space.

History buffs come to explore medieval towns, sleep in historic castles, and marvel at renowned works of art. Nature lovers can wander through fields of wildflowers, scale alpine mountains, and soak up the sun along rugged coasts. Festival goers can celebrate King’s Day in Amsterdam, toast with pints at Oktoberfest in Germany, and throw tomatoes at La Tomatina in Spain. Foodies can indulge in cheese in France, find the best pasteis de nata in Portugal, and drink wine among rolling vineyards. It’s easy to see why Europe is so popular among Canadians.

Whether you’re focusing on a single country or are planning to cross borders for a multi-destination excursion—— you may want to consider travel insurance for Europe to help you explore the wonders of this continent with ease. 

Do I need travel insurance for Europe?

International travel can come with many surprises—such as finding a tiny winery in Tuscany that has been in the family for hundreds of years, or spotting the northern lights dancing through the night skies in Iceland.

Some surprises are not as great, though. Nobody wants to think about things like cancelled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If your trek to Mount Etna is blown due to a travel advisory issued by the Canadian Government or your travel plans are disrupted because you fall off your bike and get hurt while cycling through Slovenia, you may then wish that you had travel insurance for Europe. 

World Nomads has two plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in Europe

Whether you’re planning to explore Portugal by bike or surf in San Sebastian, World Nomads travel insurance covers Canadians for over 250 activities. Rock climbing in the Dolomites, skiing in Andorra, and sailing around the Greek islands are all covered under travel insurance for Europe too.

It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case.

Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both our Standard and Explorer Plans. For coverage for adventures sports, work and activities listed as Level 2 or Level 3, you will need upgrade your adventure sports coverage to pay an extra premium. Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.

Travel insurance for medical emergencies in Europe

As prepared as you may be for your European vacation, sometimes the unexpected happens. You might be trying to catch a big wave in Nazare, Portugal, get swept under the water by a wave, and hit your head on a rock. Or you might twist your ankle while hiking through the storied forests of Bavaria. You might require immediate medical attention as a result.

In either case, emergency medical travel insurance could reimburse you for certain medical expenses. While the health care system in Europe is typically quite good, travel insurance for Europe can help you access and be reimbursed for the care you need. However, there is an important thing to note: you must have GHIP coverage in your home province for your entire trip in order to be eligible for the maximum emergency medical expenses benefits. Without GHIP coverage, your total limit for all emergency medical expenses is limited to CAD$40,000.

With over 200 languages spoken in Europe, you might find yourself in an area where English or French isn’t spoken. The 24/7 emergency assistance team will be able to help refer you to a place that offers the level of care that you need. They can also help communicate with your medical team if there is a language barrier.  

If your doctor determines that it’s best for you to go home to Canada to get medical care, if approved by us in advance, the emergency evacuation and repatriation coverage that is included in your travel insurance for Europe may cover the costs to get you there.

Travel insurance for lost or stolen bags in Europe

Lost bags are never something we plan for, but unfortunately it happens from time-to-time. You may have packed your favorite swimsuit and sundress for your Italian summer vacation or all your snow gear for a ski trip to the Bavarian Alps. If you land at the airport and then realize that the airline lost your bag, your travel insurance for Europe may reimburse you for the cost to replace your belongings.

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited. 

Travel insurance for theft in Europe

Europe is pretty safe, although some cities like Paris, Barcelona, and Rome experience petty theft and pickpocketing. Be aware of your belongings in crowded areas, including major tourist spots or while riding the metro—and read up on some tips for avoiding pickpockets.

If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for Europe.

You’ll also need to do your part to keep your belongings safe. If you had one too many drinks during a night out in Prague, you leave your bag at the bar, and your wallet is stolen, World Nomads won’t cover you for your lose.

Travel insurance for cancelled, delayed, or interrupted travel in Europe

You may have planned the perfect European getaway but things can happen that may cause you to cancel or interrupt your trip. Travel insurance for Europe may be able to recover your unused, prepaid, non-refundable travel expenses. Remember- travel insurance does not cover everything. The insurance plan will outline the covered risks for trip cancellation, trip interruption, and trip delay for your trip to Europe.

If you get sick before leaving the Canada and your doctor tells you not to travel at that time, you could be forced to cancel your trip. Or, if an immediate family member back home has an unexpected medical emergency while you’re on your adventure, you may need to go back to Canada early. Travel insurance for Europe may provide reimbursement for your prepaid, nonrefundable insured trip costs and may provide additional benefits to help you cover expenses you incur to get back home.

From flooding to forest fires, nature can be unpredictable and it is possible for natural disasters to affect your trip. If, after you have purchased your insurance, a natural disaster causes you to be unable to occupy your Canadian principal residence, you may need to cancel your trip. Volcanoes on Iceland’s Reykjanes Peninsula have been particularly active recently. If, during your trip, an eruption causes flight delays causing you to miss a connection, your trip may be interrupted. Travel insurance does not cover everything, but you may be eligible for reimbursement if you suffer a loss due to one of the covered risks under the insurance policy. Travel insurance for Europe may reimburse you for non-refundable, pre-paid accommodation, and activities.

Tips for travelling to Europe from Canada

Before you leave Canda, we encourage you to check out the Canadian government’s travel advisories for all the countries you’re planning on visiting. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.

If you purchase travel insurance for Europe, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. 

You’ll potentially be travelling across several countries using different languages, driving laws, and customs. Brush up on a few phrases and do some research on each destination to know what to expect from place-to-place.

The trains are a wonderful way to slow travel through Europe and watch the scenery pass by. As you’re preparing for your adventure, brush up on our safety tips for Europe and our favorite destinations to explore on this continent.

This is only a summary of coverage and does not include the full terms and conditions of the plan. It is important you read and understand your plan as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

• Do I need travel insurance for Africa?
• Travel insurance for activities in Africa
• Travel insurance for medical emergencies in Africa
• Travel insurance for lost and stolen luggage in Africa
• Travel insurance for crime and political unrest in Africa
• Travel insurance for cancelled, interrupted, or delayed trips in Africa
• Tips for travelling to Africa from Canada

Home to mesmerizing wildlife, extraordinary natural grandeur, tribes rich with tradition, and contemporary urban centres, a trip to Africa is often considered to be a once-in-a-lifetime vacation by many Canadian travellers.

Whether you adventure to ancient ruins in Egypt, search for the Big 5 on safari, trek through leafy jungle abundant with primates, get soaked by the spray at Victoria Falls, or learn to roast coffee in a mountain village in Ethiopia, every traveller will find their own kind of fun on this abundantly diverse continent.

As you prepare for your adventure, we encourage you to consider travel insurance for Africa, as you may experience the unexpected.

Do I need travel insurance for Africa?

International travel can bring all kinds of unexpected surprises - like watching a lion sunbathe while on safari in South Africa’s Kruger National Park or spotting mountain gorillas while climbing a volcano in Rwanda.

Some surprises aren’t so great, though. Nobody wants to think about things like cancelled trips and medical emergencies, but these things can happen. You might come down with malaria symptoms and need to see a doctor. Or perhaps you fell and broke your ankle while climbing through the forest terrain of Odzala National Park in Congo Brazzaville and need to be transported to a hospital. You may wish then you had travel insurance for Africa.

World Nomads has two plans to choose from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in Africa

From white water rafting down the Nile River in Uganda to going for a bush walk with San Bushmen in Botswana’s Makgadikgadi Pans, the African continent is filled to the brim with thrilling adventures. World Nomads covers more than 250 activities for Canadians travelling to Africa and includes things like scuba diving in the Quirimbas Archipelago off the coast of Mozambique, undertaking a volunteer project in a local school or wildlife rescue center, and hiking Mount Kenya.

It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan— if something happens during an activity you didn’t list on your plan, then you won’t be covered. For example, if you go surfing while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen while catching a wave. You may want to consider overshooting and listing out all possible activities you may do, just in case.

Keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both our Standard and Explorer Plans. For coverage for adventures sports, work and activities listed as Level 2 or Level 3, you will need upgrade your adventure sports coverage to pay an extra premium. Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.

Travel insurance for medical emergencies in Africa

Before you take off on your African adventure, we recommend that you visit a travel medical clinic or your local doctor’s office to make sure you are up to date on all vaccines you may need. You may also want to ask your doctor about malaria medication.

We also recommend packing a few basic supplies for your trip, as some basic things aren’t always available, especially in rural areas on the continent. Strong mosquito repellant to help prevent malaria, sunscreen (it can be hard to find outside of South Africa), and bandages, are a good place to start.

Water and food sanitation vary widely across the continent. Water is safe to drink in Cape Town and the Western Cape, but it generally isn’t safe to drink throughout the rest of the continent. Make sure to drink bottled or filtered water outside of those regions. Malaria is prevalent in many areas, so if you suspect that you have malaria symptoms, contact our 24/7 Emergency Assistance for assistance in finding  a local clinic. Malaria is something that most clinics in Africa can test and treat, whereas Canadian clinics may not have that same level of expertise.

Health care varies widely across the African continent and typically will be quite different than what you’re used to in Canada. Emergency medical care and medical facilities with the right equipment are often hard to find. If you have a medical emergency when travelling in Africa, you can call the 24/7 emergency assistance team and they can refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there is a language barrier. 

Maybe you fall and hurt yourself while hiking in Morocco’s Atlas Mountains and your doctor determines that it’s best for you to go home to Canada to get medical care. The emergency evacuation and repatriation coverage that is included in your travel insurance for Africa may cover the costs to get you there. 

However, there is an important thing to note: you must have GHIP coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefits. Without GHIP coverage, your total limit for all emergency medical expenses is limited to CAD$40,000.

Travel insurance for lost and stolen luggage in Africa 

Nobody plans for lost bags, but it happens. If you’re heading to South Africa for a surfing vacation, you may have packed your favorite surfboard. When you land in Durban and realize that the airline lost your bag, your travel insurance for Africa may reimburse you for the cost to replace your belongings. 

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited. If you incur expenses because you need rent a surfboard until your favorite one arrives, you may be eligible for reimbursement under the sporting equipment delay coverage included in your insurance plan.

Travel insurance for crime and political unrest in Africa

Safety varies widely across Africa. The best thing you can do is have a sense of awareness around yourself, your surroundings, and your belongings. Leave the flashy jewelry at home to avoid unwanted attention and store your credit cards and valuables in a safe in your accommodations.

Take particular care in crowded areas like markets and bus stations. Keep your bags in front of you and avoid flashing valuables like smart phones if possible. In most major cities, like Nairobi and Kampala, it is also best to avoid walking at night— we encourage you to take motorized transportation instead.

If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for Africa.

Travel insurance for cancelled, interrupted, or delayed trips in Africa

When you’re searching for the best travel insurance for Africa, make sure it has coverage for trip cancellation, trip delay, and trip interruption. If it does, you could be reimbursed for unused, prepaid, non-refundable travel expenses if something unexpected happens.

If you get sick before leaving Canada and your doctor tells you not to travel at that time, you could be forced to cancel your trip. Or, if an immediate family member back home has an unexpected medical emergency while you’re on your adventure, you may need to go back to Canada early. Travel insurance for Africa may provide reimbursement for your prepaid, nonrefundable insured trip costs and may provide additional benefits to help you cover expenses you incur to get back home.

Sometimes situations happen that disrupt your plans once you’re already in Africa. Certain countries in Africa experience frequent political unrest. If possible, avoid travelling during elections, when tensions may be high, and protests and unrest can break out.

Tips for travelling to Africa from Canada

Before you leave Canada, we encourage you to check out the Canadian government’s travel advisories for each country you plan to visit. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.

If you purchase travel insurance for Africa, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

With 54 nations and over 2,000 languages, cultural customs, transport, and everything in between in Africa are pretty different country-to-country. We recommend that you read up on each place you intend to visit ahead of time Also, keep in mind that most African countries are more culturally conservative than Canada. Modest dress is recommended in rural areas—a great rule of thumb is to cover your knees and shoulders out of respect for local culture.
Whether you’re heading to Ethiopia, Morocco, South Africa, or Tanzania, do some pre-trip reading for destination inspiration—you’ll be wowed by how much there is to do beyond a safari vacation. And speaking of safaris, we encourage you to look for ethical wildlife and cultural experiences so your experience doesn’t harm the environment or people involved.

Check out our tips for photographing wildlife and keep those camera batteries charged to make sure you’re ready for those gorilla, lion, and other wildlife shots!

This is only a summary of coverage and does not include the full terms and conditions of the plan. It is important you read and understand your plan as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

• Do I need travel insurance for Cambodia?
• Travel insurance for activities in Cambodia
• Travel insurance for motorbiking in Cambodia
• Travel insurance for medical emergencies in Cambodia
• Travel insurance for lost and stolen bags in Cambodia
• Travel insurance for canceled, interrupted, or delayed trips to Cambodia
• Tips for traveling to Cambodia from the United States

From catching sunrises over Angkor Wat to relaxing on the shores of Koh Rong, Cambodia is home to ancient wonders, mouthwatering dishes like fish amok, and beautiful jungle and coastal landscapes. Thousands of Americans make the trip to Cambodia every year to dive deeper into the wonders this Southeast Asian country has to offer.

Sample pepper straight from the trees in Kampot, fill up on crab in Kep, and visit the floating villages on Tonle Sap. Admire the gilded Royal Palace in Phnom Penh, wander through the markets of Siem Reap, and explore ancient temples beyond Angkor Wat. Unwind on peaceful Koh Thmei or drink Angkor beers and dance the night away in Sihanoukville.

While a trip to Cambodia is an incredible experience, there are some things to be aware of when visiting from the US, including theft and motorcycle accidents. We’ve learned quite a bit in our travels and encourage you to explore travel insurance* plans for Cambodia.

Do I need travel insurance for Cambodia?

International travel can bring all kinds of unexpected surprises - like swimming in bioluminescence waters along on the Cambodian coast.

Some surprises are not as great though. Nobody wants to think about canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you get into a motorcycle accident while cruising around Siem Reap, you may then wish that you had travel insurance for Cambodia.

World Nomads has four plans to choose from, and when you get a quote you can compare the options to choose the best international travel insurance for your needs.

Travel insurance for activities in Cambodia

Cambodia has plenty of adventures to offer the active traveler. Nature lovers will particularly be enthralled by Cambodia’s wild east, where you can look for endangered river dolphins, go wild swimming, and visit tribal villages and waterfalls. World Nomads covers more than 250 activities for Americans traveling to Cambodia and includes things like scuba diving in Koh Kon, hiking through the remote jungles of Virachey National Park, and kayaking down the Mekong River.

When you get a quote for your travel insurance for Cambodia, it’s helpful to have a general itinerary in mind. Different plans cover different activities. Knowing your activities in advance will help you choose the best insurance for your trip.

Ziplining over the spectacular Bousra waterfall, cycling around Koh Trong Island, and volunteering at the ethical Elephant Valley Project are covered under all plans, including the Standard Plan. If you want to climb via ferrata in the rock formations around Kampot, though, you’ll need to invest in an Explorer or an Epic Plan.

Travel insurance for motorbiking in Cambodia

Motorbiking is common in Cambodia, and in some instances, it could be covered by your travel insurance plan - but it’s not guaranteed. Just because it’s easy to rent a motorbike there doesn’t mean you should, and it doesn’t mean you’ll be covered.

We get a lot of accident claims from nomads who hop on a motorized bike for the first time in Cambodia because it’s cheap and easy to rent. However, safety is not always top priority for other drivers – speed and convenience are. The rules of the road can be very different from back home in the United States and traffic can be hectic. Motorbike accidents are quite common and it’s very important to know that if you don’t have the proper license for motorbiking, your travel insurance for Cambodia won’t cover you.

If motorbiking is something you insist on doing, you’ll need to look at getting the proper license for motorbiking in Cambodia before you leave the US. You can get specific license requirements for Cambodia on the U.S. government’s website. You’ll also want to review your plan wording carefully when you get a quote for travel insurance for Cambodia.

Travel insurance for medical emergencies in Cambodia

Before you take off on your Cambodian adventure, we recommend that you make an appointment with Runway Health-- an online travel clinic and our non-insurance service partner. The telehealth service offers online consultations 24/7 and can help you obtain necessary vaccinations or medications, such as medication to help with traveler’s diarrhea or malaria prevention. We also recommend you pack a strong mosquito repellent and sunscreen to keep you protected on your travels.

Medical care in Cambodia looks a bit different than what you’re used to in the US. If you crash your bike while cycling around the temples of Angkor Wat, you may need to seek medical attention. In the event of a medical emergency while traveling in Cambodia, you can call the 24/7 Emergency Assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there are language barriers.

If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Cambodia may cover the costs to get you there.

Travel insurance for lost and stolen bags in Cambodia

What happens if your bags don’t show up at baggage claim when you land in Phnom Penh? If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is at least 12 hours delayed, you may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact Blue Ribbon Bags, a non-insurance service that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags so you can file a lost luggage claim.

Petty theft, crime, and pickpockets can take place in Phnom Penh and touristy spots like Angkor Wat and Sihanoukville. Motorcyclists have been known to grab bags as they drive by people on the street. Watch out for scams, as well. A common one is a child or mother asking you to buy them formula from a store, which they’ll return for money.

Keeping your bag in front of you, having an eye on your belongings, and leaving your valuables locked in a safe at your hotel minimize the risk of theft. If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim.

It's important that you do your part to keep your belongings safe. If you have a few too many beers during a night out in Phnom Penh, leave your belongings unattended at a nightclub, and your purse is stolen, your travel insurance for Cambodia won’t cover you.

Travel insurance for canceled, interrupted, or delayed trips to Cambodia

Even if you’ve booked all your hotels and excursions for Cambodia, unexcepted things can happen that might disrupt your trip. When looking for travel insurance plans for Cambodia, consider getting one that covers trip cancelation, delays, and interruptions.

Cambodia is vulnerable to natural disasters and can experience things like flooding, cyclones, and landslides throughout the year. If an unforeseen cyclone hits Cambodia before you leave for your trip and the US government issues a warning for travel there, your travel insurance for Cambodia may reimburse you for pre-paid, non-refundable flights, tours, and accommodation.

Cambodia is quite a journey from the United States so if you want an additional safety net for your trip, consider purchasing CFAR (cancel for any reason) as an add-on to your Explorer or Epic Plan during the time-sensitive period. Whether you simply change your mind or need to cancel your vacation for any reason not covered by the insurance plan, CFAR allows you to cancel and get back a portion of your prepaid, non-refundable trip expenses, whether that be a cruise or a cultural excursion.

Tips for traveling to Cambodia from the United States

Before you head out on your epic adventure, we encourage you to check out the US government’s travel warnings for Cambodia. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.

If you purchase travel insurance for Cambodia, it is a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

Remember that Cambodia has a complicated history, and the majority of the population has been impacted by the Khmer Rouge in some capacity. Visit sites like Choeung Ek Killing Fields to learn more about this side of Cambodia’s history and be respectful when discussing these topics. You can also check out our tips on how to be a responsible traveler in Cambodia.

If it aligns with your schedule, visit during the Khmer New Year in April, which is a colorful, family-centric celebration and a fantastic way to experience Khmer culture.